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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,192 | $77,814-23.9% | $158,223-62.6% | $86,983-31.9% |
| Participation rate | 19.0% | 68.4%-49.4pp | 79.2%-60.2pp | 69.5%-50.5pp |
| Annual return | 15.91% | 30.54%-14.6pp | 52.09%-36.2pp | 25.83%-9.9pp |
| Employer contribution / active EE | $500 | $2,592-80.7% | $4,109-87.8% | $2,584-80.6% |
| Participant deferral / active EE | $572 | $3,270-82.5% | $5,467-89.5% | $4,194-86.4% |
| Admin fee / account holder | $5,138 | $5,879-12.6% | $16,047-68.0% | $7,856-34.6% |